TOPEKA FIREMEN'S CREDIT UNION (EIN 480650242) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1939

Legal Domicile

Principal Officer

MONICA HAWORTH

Phone

7852667533

Tax Period

2025-01-01 to 2025-12-31

TOPEKA FIREMEN'S CREDIT UNION, founded in 1939, is a small nonprofit that reported $504K in total revenue in fiscal year 2025. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $438K left a modest 13% surplus.

Mission

Provider of financial services for mutual purposes

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $313,388

Investment Income $190,729

Other Revenue $0

TOTAL REVENUE $504,117

Expense Breakdown

Grants Paid $0

Salaries & Benefits $80,522

Fundraising Expenses $0

Program Expenses $0

Other Expenses $357,382

TOTAL EXPENSES $437,904

Year-over-Year Comparison

	2025	2024	Change
Revenue	$504,117	$448,487	+0.1%
Expenses	$437,904	$383,855	+0.1%
Net Income	$66,213	$64,632	+0.0%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

$45,000

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Monica Haworth	Office Manager	30	Key Emp	$45,000	$0	$45,000
Zachary Walton	Board Member	3	Director	$0	$0	$0
Collyn Hoffman	Board Member	3	Director	$0	$0	$0
Brandon Baur	Board Member	3	Director	$0	$0	$0
Paul Staford	BOARD CHAIR	3	Director	$0	$0	$0
BRANDON ADAMS	BoardVice Chairman	3	Director	$0	$0	$0
John Failor	Board Secretary	3		$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$504,117	$437,904	$11,541,008	$66,213
2024	$448,487	$383,855	$10,471,918	$64,632
2023	$318,940	$254,948	$8,862,512	$63,992
2022	$240,738	$212,451	$8,677,890	$28,287
2021	$225,883	$209,456	$8,508,137	$16,427
2020	$217,184	$162,822	$8,503,333	$54,362
2019	$231,667	$170,564	$8,662,511	$61,103
2018	$206,760	$161,687	$8,890,406	$45,073

TOPEKA FIREMEN'S CREDIT UNION